Mutual Funds vs. ETFs, SECURE 2.0 & Capital Gains Strategies - 420
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 791 Ratings
🗓️ 14 March 2023
⏱️ 41 minutes
🧾️ Download transcript
Summary
Are low-cost mutual funds or ETFs better investments in a tax-advantaged account? Also, more strategizing from that SECURE Act 2.0 529 plan provision, the pros and cons of selling a rental house now or holding it until you pass, and an easy-breezy self-employed retirement account that's better than a SEP IRA. Plus, will municipal bond income bump you into a higher tax bracket? Can you avoid capital gains tax by investing less aggressively over time?
Timestamps:
- 00:00 - Intro
- 00:46 - Mutual Funds vs. ETFs in a Tax-Advantaged Account? (Midwestfabs, St Paul, MN)
- 08:06 - SECURE Act 2.0 529 Plan Strategy (Chris, Atlanta)
- 14:51 - Will Municipal Bond Income Bump Me Into a Higher Tax Bracket? (Bobby, Philadelphia)
- 26:31 - Can I Avoid Capital Gains By Investing Less Aggressively Over Time? (Joe, Aston, PA)
- 33:12 - Pros and Cons of Selling a Rental House Right Now (Joe, Chula Vista)
- 34:48 - An Easy Breezy Self-Employed Retirement Account Better than the SEP IRA? (Steve, Las Vegas)
- 39:58 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-420
- The SECURE 2.0 Circus: brand new YMYW TV and companion guide
- Blog post: Self-Employed Tax Filing & Small Business Retirement Plans
- The Ultimate Guide to IRAs
- Episode Transcript
- Ask Joe & Big Al On Air
- (plus, cute dog photo alert! We've got Midwestfabs' dog, "Jake-from-State-Farm"!)
Transcript
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| 0:00.0 | Are low-cost mutual funds or ETFs better investments in a tax-advantaged account? |
| 0:05.8 | That's today on your money, your wealth podcast number 420. |
| 0:09.7 | Also, more strategizing from that Secure Act 2.0 529 plan provision, |
| 0:15.2 | the pros and cons of selling a rental house now or holding it until you pass, |
| 0:19.2 | and an easy, breezyzy self-employed retirement account |
| 0:22.3 | that's better than a set by IRA. Plus, will municipal bond income bump you up into a higher tax |
| 0:28.4 | bracket? And can you avoid capital gains tax by investing less aggressively over time? And we've got |
| 0:34.8 | three Joe's on today's show. I'm producer Andy Last, and here are the hosts of |
| 0:38.9 | your money, your wealth. Our first Joe, of course, is Joe Anderson CFP, along with Big Al Clopine's |
| 0:44.4 | CPA. Midwest Fabs. Midwest Babs. From St. Paul, Minnesota. Hello again. From the banks of the money, Mississippi River. |
| 0:57.8 | Thanks for taking the time and shedding some line on my employer match question and directing me to the video links, white papers, etc. |
| 1:06.1 | Dedicated to the nuances of the Secure Act 2.0. Good stuff. I have no idea what the hell he's talking about. |
| 1:13.7 | He asked you to do several shows about the Secure Act. Oh, did you send him a bunch of stuff? |
| 1:19.1 | I sent him stuff. We talked about stuff that was available. So yeah. So you and Midwest Fabs are like tight buds? |
| 1:25.3 | All of us are. We're all buddies. Got it. |
| 1:28.9 | After listening. |
| 1:31.3 | Between the ears. |
| 1:32.3 | Between the ears. |
| 1:34.6 | Dedicating a few shows to the nearly 350 or so pages of the Secure Act embedded within the 4,000 or so pages of the spending bill was not atop of YMYW's |
| 1:47.7 | to-do list. My questions are about asset vehicle location. So in other words, he accepts the |
| 1:55.1 | fact that you were rejecting his request for several shows on the Secure Act. Yeah. because there's not much there. Yeah, I mean, |
| 2:03.4 | the bullet points you can get from Googling it, and you'll know almost what you need to know. |
... |
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